NO . Merchants who accept credit cards CANNOT set their own requirements for assuring that a person has authorization to use the card being submitted.
Any Merchant in the US CANNOT ask for an I.D
he MasterCard Merchant Rules Manual provides as follows:
9.11.2 Cardholder Identification
A merchant must not refuse to complete a MasterCard card transaction solely
because a cardholder who has complied with the conditions for presentment
of a card at the POI [point of interaction] refuses to provide additional identification information, except as specifically permitted or required by the Standards. A merchant may require additional identification from the cardholder if the information is required to complete the transaction, such as for shipping purposes. A merchant in a country or region that supports use of the MasterCard Address Verification Service (AVS) may require the cardholder's ZIP or postal code to complete a cardholder-activated terminal (CAT) transaction, or the cardholder's address and ZIP or postal code to complete a mail order, phone order, or e-commerce transaction.
The Rules for Visa Merchants provides:
When should you ask a cardholder for an official government ID? Although Visa
rules do not preclude merchants from asking for cardholder ID, merchants
cannot make an ID a condition of acceptance. Therefore, merchants cannot
refuse to complete a purchase transaction because a cardholder refuses to
provide ID. Visa believes merchants should not ask for ID as part of their
regular card acceptance procedures. Laws in several states also make it illegal
for merchants to write a cardholder's personal information, such as an address or
phone number, on a sales receipt.
(http://usa.visa.com/download/merchants/rules_for_visa_merchants.pdf , Rules for Visa Merchants, page 29).
Visa and MasterCard Rules and Regulations
Here's what Visa says about requiring ID:
"Although Visa rules do not preclude merchants from asking for cardholder ID, merchants cannont make an ID a condition of acceptance. Therefore, merchants cannot refuse to complete a purchase transaction because a cardholder refuses to provide ID. Visa believes merchants should not ask for ID as part of their regular card acceptance procedures."
From page 31 of their Card Acceptance Guide.
Here's what MasterCard says about requiring ID:
"A Merchant must not refuse to complete a Transaction soley because a Cardholder who has complied with conditions for presentment of a Card at the POI refuses to provide addititional information, exept as specifically permitted or required by the Standards. A Merchant may require additional identification from the Cardholder if the information is required to complete the Transaction, such as for shipping purposes."
From page 87, Section 5.6.3 of the MasterCard Rules.
The Visa and MasterCard rules and regulations would allow for a retail store to ask for ID if having an account with the store is required to make a purchase, and an ID is required to open an account.
The Visa and MasterCard rules and regulations would allow for a retail store to ask for ID if the card is not signed. In fact, an unsigned card can not be accepted, and the clerk should have you sign the card after providing ID. As a result, people who write "See ID" on their signature panels would really only get that benefit the first time they use the card.
Other common merchant violations and reporting them
In addition to not being able to ask for ID, merchants can not add surcharges for credit card payments, and can not have minimum amount requirements for credit card payments. However, merchants can give a discount to cash customers.
If you encounter a merchant violation, you can report them at the following telephone numbers:
Credit card companies charge the merchant a percentage of each sale. The amount varies, depending on the sales volume, which can be used to negotiate with the credit card provider.
A merchant terminal, or credit card terminal, is used to allow the use of credit cards when purchasing goods or services. The credit card terminal is the latest in a long line of improvement to the cashing out process.
All credit card companies charge a merchant fee, whether the card is used in e-commerce or POS. The rate of the fee is often negotiable with the lender, depending on the sale volume of the merchant.
The Total Merchant Services provide a customer and company with credit card processing services. It can be used online for purchasing completely with credit cards.
QPS stands for Qualified Processing Services. They are a credit card merchant underwriter that processes a large portion of credit card funds transfers in the United States. All this means on your statement is that the place you used your card is using a merchant service whose underwriter is QPS.
A virtual credit card is almost like a normal credit card but it used only over the internet. It is a one time use credit card, that allows you to set your own limit. It is important to contact the merchant before using the virtual credit card for purchases because not all merchants will accept them.
There are a few to choose from. Evolution Bankcard is a merchant processor with competitive rates. Merchant warehouse has over 100,000 customers. Leaders is a merchant processor that has been used since 2000.
Merchant Tire provides a credit card that is designed to provide many promotions and rewards that can be used towards tire purchases as well as servicing. Moreover, it provides rebates on tires, maintenance as well as other services.
Having a credit card balance of zero on a credit card is a good thing. It means one has no debts to the credit card company, which also means that no additional interests will be charged. If one either has not used a credit card or has paid all open debts and interests, they would have a credit card balance of zero.
Yes, even though your photo is on your card, it's just natural for a retailer to ask for id. In the end they are protecting you from fraud.
A Visa gift card is not actually accepted everywhere a Visa credit card is accepted. It is a prepaid card which operates like and is accepted as a debit card, not a credit card. While the vast majority of merchants will accept both Visa debit cards and credit cards, if the merchant chooses not to accept debit cards the prepaid Visa card cannot be used.
No. A debit card is connected to actual funds from a checking or savings account. When used as a debit card, at a merchant, a PIN is required for the purchase to be approved. However, it can also be used as credit in which a PIN is not required. PIN = Personal Identification Number. A credit card is connected to a line of credit (borrowed money). In which the card holder is required to pay a minimum payment each month, or they may pay the full balance to avoid interest charges.
Merchant services is the name for a broad category of financial services designed for use by businesses and not for consumers. Services include email marketing, loyalty card programs, credit and debit card processing and online ordering systems.
Merchant Wharehouse (www.merchantwharehouse.com) was voted the top Credit Card Processing company in 2009. I have used them for over 2 years now and have been extremely happy. The first processor I used (UBC) had horrific service and practices. Definately need to do your research to find the best company for your situation.
This question makes little sense as asked. If you mean a merchant account, any merchant account should be able to process a card issued by Bank of the West. Bank of the West issues three Mastercards. These are a Platinum rewards Mastercard, a Platinum Mastercard and standard Mastercard. More information here bankofthewest.com/personal-banking/credit-cards.html
I depends if it's a credit card or not.
A credit card account comes with a credit card, which can be used to authorize purchases of any value. The checking account does not come with a credit card and is used for issuing checks.
Credit card is used to buy things. This is the same thing as cash or a check.
No, the Amazon credit card may only be used on Amazon's website. The credit card is almost like a gift card which again can only be used on the website.
A medical credit card is used like a credit card. If a person cannot afford to pay for a procedure directly out of pocket, they can use a special medical credit card to help pay for the procedure.
PayPal is a payment geteway. This is used in E-Commerce. It is way merchent accepts the payment from the consumer. For this merchant needs merchant acount into which payPal deposits money paid by the consumer through credit card.
The Macy's department store offers a charge card and a credit card. Their charge card can only be used at Macy's, and a credit card can be used anywhere.
The type of credit card that starts with the number 8 is a telecommunications credit card. This type of card would only be used with a specific company, unlike major credit cards that can be used at any retailer.